Cleafy Platform is a cyber-fraud fusion platform designed for digital banking institutions. It combines cybersecurity and fraud management capabilities into a unified operational view, covering mobile, web, and API channels. The platform operates on XDR-inspired principles and applies zero-trust methodology to monitor each step of the user journey. It uses deterministic models to correlate data across sessions, identifying hidden connections and patterns that isolated point solutions may miss. Core detection mechanisms include: - Behavioural intelligence: Passive, privacy-first biometric analysis of typing patterns, mouse movements, and device usage, compliant with GDPR and CCPA - Bot and malware detection: Identifies automated threats and malicious software targeting banking sessions - Device telemetry and transaction risk analysis: Evaluates device-level signals alongside transaction context - User prediction: Anticipates user intent to distinguish legitimate from fraudulent activity - Threat evidence extraction: Captures and surfaces factual evidence supporting fraud determinations - Advanced threat intelligence: Integrates external and curated data sources with expert analysis of threats such as TeaBot, Sharkbot, Pixpirate, Spynote, and BingoMod The platform addresses attack types including Account Takeover (ATO), Automated Transfer Systems (ATS), and Authorised Push Payment (APP) fraud. It uses a white-box approach rather than opaque risk scores, enabling micro-scenario responses such as step-up authentication or device/transaction blocking. Real-time response capabilities integrate with existing security infrastructure to balance risk mitigation, user experience, and operational costs. The platform targets fraud teams and cybersecurity teams within banks and financial institutions.